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Use of this web site constitutes acceptance of the eHow Terms of Use and Privacy Policy. If you have a private loan offered by Sallie Mae or if the company services your federal student loans, you have deferment and forbearance options if you are unable to make your loan payments. Loan & Check, a vendor to the trade, claims that payday loans will grow by 600% over the next ten years. In Chapter 13, you spend three or five years devoting your disposable income -- money you don't need to live on -- to paying off your debts.

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It sounds like you may already be in an emergency situation. This company does NOT deserve your business.